If you fail to pay a reminder from the public authorities on time, your debt will be transferred for debt collection. The Danish Debt Collection Agency (Gældsstyrelsen) is responsible for collecting all debt owed to the public authorities.

Owed debt being collected by the Debt Collection Agency may be paid as a lump sum or in instalments. Please call us on (+45) 70 15 73 04 if you would like to pay your debt or would like an overview of the debt you owe to the public authorities.

If you would like an updated overview of your debt currently in the process of being collected, please call us on +45 70 15 73 04. We will then help you get an overview of what you owe and send you a debt summary.

Please note that this summary may contain debt that has not been calculated correctly or that has become statute-barred. This is due to faults in the debt collection system EFI in the period 2013 – 2015.

We review all debts on a regular basis and will contact you in case we discover a fault. You are welcome to contact us if you have any questions.

Please call us on (+45) 70 15 73 04 if you would like to pay off all or part of your debt.

We will then give you a payment ID to use when you pay your debt either by lump sum or by instalments.

Paying off debt from outside Denmark

You can make a payment by bank transfer from outside Denmark by using the following information:

BIC/SWIFT code: DABADKKK

IBAN: DK6102164069170749

Remember to state who is making the payment (civil registration number (CPR)/company registration number (CVR) and which debt the payment concerns.

If you disagree

If you disagree with the size or existence of the debt transferred for collection, you should contact the authority to which you owe the money. If you send your objections to the Danish Debt Collection Agency, we will send them to the authority believing to have a claim against you.

Interest

Exceptions

In case of debt where the interest rate was agreed by you and your local authority (for instance housing allowance loans), or where the interest rate is expressly stated in a loan document, you will remain liable to pay the agreed rate instead of the debt collection interest rate of 8.05 percent per year (2017).

Debt without interest

No interest is added to fines imposed under the Danish Penal Code.

We can seize your assets

If you are not paying off on your debt, we may seize your assets such as your house, machinery, etc. This means that we can sell your property by court order and use the money to bring down your debt.

If we send you a reminder or call you in for a meeting with our bailiff (notice of execution), you will be charged a fee. The fee for a reminder is DKK 140 and the fee for a notice of execution is DKK 450.

In cases where we do seize your goods, you will also be liable to pay court fees and any legal costs.

Automated debt collection was suspended in September 2015 due to faults in our debt collection system (EFI) during the period 2013 – 2015.

The Danish Debt Collection Agency (Gældsstyrelsen) is currently looking into whether we have carried out incorrect debt collection of your or your business’s debt from 1 September 2013 to 7 September 2015 (both days included). The possible fault concerns the collection or voluntary payment of debt, which could have been statute-barred at the time of the collection or payment.

You will be informed via Digital Post by no later than 1 May 2018 if we are looking into your or your business’s debt.

If you have received a notification in Digital Post saying that we are looking into possible errors in our collection of your debt, you do not have to take any action. We will write to you again once we have carried out our investigation, and you will have the opportunity to provide us with any feedback you may have before we make the final decision. The Debt Collection Agency will only reopen any cases on its own initiative if the total amount collected or received is at least DKK 3,000.

If you have paid off an amount of your debt after it became statute-barred, this amount, including interest, will be transferred to your NemKonto unless you have other debt to public authorities. In that case, we may choose to use all or part of this amount to bring down your debt (offsetting). We will send you a letter in case we choose to offset your debts.

Please see our Danish guidelies for information on how the Danish Debt Collection Agency reopens cases that may wrongly have been transferred for collection.

Application for cancellation of debt to public authorities

In order to be eligible for debt cancellation, your debt must be of such a size that you are unable to repay it and that you are unlikely to be able to repay it in the next few years.

The Danish Debt Collection Agency (Gældsstyrelsen) makes an assessment based on your income, expenses, what you own and your debt. This assessment also considers how long the debt has existed, the origin of the debt and your repayment history.

Debt to private creditors

Generally, if a significant part of your debt is owed to private creditors (such as a bank, a finance company or a charge card provider), you will normally be asked to apply for debt relief through the probate court.

In the probate court you may obtain a collective arrangement including all creditors. You can also contact your creditors personally in an attempt to obtain a collective arrangement.

The Danish Debt Collection Agency (Gældsstyrelsen) may offset any refund that you are due from the public authorities, such as a tax refund, against your debt. This is based on the information about your debt provided by your creditor. Your creditor is the public authority to whom you owe money.

When a creditor transfers your debt to the Debt Collection Agency, we receive various information about your debt, the amount of money you owe, the period, when the debt was established, when it should have been paid and the final due date. We use this information to describe your debt in notifications or decisions about offsetting your debt against something else. We also use the information to check if the final due date of the debt has occurred before we offset any refunds against your debt.

Some claims may be registered with one or more dates that do not correspond with the description in the notification or decision from the Debt Collection Agency. These include the dates that relate to when the debt was established, the period, the due date and the final due date.